The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,232
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$576/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$552/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$692/mo
Today · 4.125%
HK$23,251
baseline
▲ 0.50% · 4.625%
HK$24,666
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,502/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,340
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$662/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$807/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$773/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,818
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$1,037/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$994/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,028/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,874 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).